FIRST MONTH FREE+50% OFF FOR LIFE·+1 month per friend referred
1 in 4 credit reports has an error. Most never get fixed because filing under the right statute is paperwork-heavy. We file FCRA §1681i bureau disputes + §1681s-2(b) furnisher disputes in parallel. CFPB is the escalation lever.
FREE
first month
50% OFF
for life
+1 mo
per friend
If any of this is happening to you
Account you never opened is on your report (identity theft)
Paid-off debt still showing as delinquent or collection
Wrong balance, wrong status, or wrong date of first delinquency
Bankruptcy or charge-off that should have aged off years ago
Mortgage or auto loan denied because of an item you've already disputed
The law on your side
Authority
15 USC §1681i + §1681s-2(b)
Bureaus have 30 days to investigate disputes (45 with additional info). Furnishers (the creditor reporting the item) have a separate §1681s-2(b) obligation to reinvestigate. Willful violations carry $100–$1,000 statutory damages + attorney's fees per §1681n.
The process
Upload the document — bill, denial letter, deposit itemization, collection notice. We read it, identify which protections in Fair apply to your specific facts, and tell you what we’d recover. Free triage.
We show you the theory of the case — which laws apply, which letters we’d send, what the recovery range looks like. Nothing goes out until you say go.
Certified mail, deadline tracking, response parsing, escalation when ignored. You only hear from us when there’s a decision to make. Most cases resolve in under 30 days.
Questions, answered
Still wondering? Email hello@dotandcross.io — we read every message.
Two minutes to reserve your spot. Drop your email — we’ll handle the rest when we open.
Fine print